Ajax Long Term Disability Lawyer

When a serious illness, injury, or mental health condition makes it impossible to keep working, long-term disability (LTD) benefits can become a financial lifeline. In Ajax and across the Durham Region, many people have LTD coverage through their employer. Others purchase individual disability policies because they are self-employed, work on contract, or want additional protection.

LTD benefits typically replace a portion of your income when you can no longer perform the essential duties of your job. For residents who commute along Highway 2 or Highway 401, work in local logistics hubs, or hold jobs in offices and retail centres throughout Ajax, these benefits can help cover everyday costs while they focus on treatment and recovery.

At Preszler Injury Lawyers, our long-term disability lawyers serving Ajax have years of experience helping clients address denied, delayed, or terminated LTD benefits. In collaboration with our Ajax personal injury lawyers, we can challenge unfair insurer decisions to ensure you have access to the benefits you need. Schedule a free consultation today to find out if you’re eligible to file a claim against your insurance company.

Medical Conditions That May Qualify For LTD Benefits in Ajax, Ontario

Each LTD policy has its own wording, but many recognize a broad range of physical and mental health conditions. Chronic pain, serious back and neck problems, cardiac issues, autoimmune diseases, neurological conditions, depression, anxiety, bipolar disorder, and post-traumatic stress disorder are all examples of conditions that can be disabling, especially when symptoms are persistent and resistant to treatment.

Initially, policies often focus on whether you can perform the “own occupation” you were working in when you became disabled. After a period of time, usually around two years, the test may change to determine whether you can perform “any occupation” for which you are reasonably suited by education, training, or experience. This shift can lead insurers to terminate benefits even when your underlying health has not improved.

Our Ajax LTD team can review your policy and medical information to help determine whether your condition appears to meet the applicable definition of disability.

Why Ajax LTD Claims Are Denied Or Cut Off

Unfortunately, many LTD claims submitted by people who live or work in Ajax are not approved at all, or are paid for a period and then stopped. Insurance companies are not required to publish their denial statistics, but rates across Ontario suggest that a significant number of claimants face denials or premature terminations.

Insurers may say there is not enough “objective” evidence, rely heavily on a doctor they hired to examine you once, or argue that you could perform some other job that does not realistically exist in the Ajax labour market. They may also point to social media posts or surveillance footage and claim it does not match your reported limitations.

Receiving a denial letter can be overwhelming, especially when you are already juggling medical appointments at Ajax Pickering Hospital, counselling sessions, or rehabilitation programs. Our long-term disability lawyers serving Ajax can help you understand the insurer’s reasoning and identify possible ways to challenge the decision.

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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.

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How Our Ajax Long-Term Disability Lawyers Help Injured Clients

By working with our Ajax long-term disability lawyers, you may be able to challenge a denial or cut-off of your LTD benefits. At our firm, we can:

• Analyze your policy, including any “own occupation” and “any occupation” language, and explain what it means in practical terms
• Review your medical records and, where appropriate, help coordinate additional assessments to clarify your functional limitations
• Work with your doctors and treatment providers in Ajax and across Durham Region to obtain detailed reports that address the insurer’s concerns
• Communicate with the insurance company on your behalf and negotiate for a fair resolution
• Start a lawsuit if negotiations do not lead to a reasonable outcome
• And more

Many people who need LTD benefits also have other claims. If your disability stems from a serious car accident or a fall on unsafe premises, our Ajax car accident lawyers and Ajax slip and fall lawyers can work alongside the LTD team to consider how all of your claims might interact.

Contact Our Ajax Long-Term Disability Lawyers For a Free Initial Consultation

Living with a Long-Term disability can change your relationship with work, family, and the community. Everyday tasks like commuting on Durham Region Transit, walking along the Ajax waterfront, or shopping in local plazas may become difficult or impossible. On top of physical and mental health challenges, financial uncertainty can add a heavy burden.

LTD benefits are meant to ease that burden, not increase it. Our Ajax long-term disability lawyers understand how stressful it can be to deal with an insurer while managing a serious health condition. We aim to provide clear, straightforward guidance so you can make informed decisions about your future.

To discuss your LTD claim, denial, or impending cut-off, contact Preszler Injury Lawyers today for free. Call 1-888-608-2111 or complete our online form to schedule your consultation with an Ajax long-term disability lawyer.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN AJAX?